Capital on Tap
Capital on Tap is a UK (outside the EU/EEA) fintech-infrastructure provider (Lending module, Card issuing software). Verified at source - licence, regulator and registry reference. Active
Who it's for
Capital on Tap is built for products adding credit - financing, instalments or BNPL.
Sovereignty profile
- Data residency (EEA): No - outside the EEA
- Company origin: UK (UK)
What Capital on Tap does
Verified licence profile
Capital on Tap (New Wave Capital Ltd, UK) - SME business credit cards and lending; 200k+ SMB customers in the UK and US, GBP 20bn+ spend. Not a bank - restricted business-lending licence (FCA FRN 625592).
Verified 2026-06-26. How we verify → · Spotted something out of date? Report a correction. · Are you Capital on Tap? Work with us →
European alternatives to Capital on Tap
🏦 Local IBANs: LT GB
DiPocket (Lithuania; + UK) - card issuing and IBAN accounts; Visa & Mastercard Principal Member. EMI, Bank of Lithuania (EEA) + FCA (UK). SEPA + SWIFT, LT IBANs and UK Faster Payments.
Klarna Bank AB (publ) (org. 556737-0431) - full banking licence Swedish FSA since 2017 (category 2 institution), passported EEA. BNPL pioneer; rolling out Klarna Card (debit) across 10 EU markets 2025; FCA authorisation UK (Jul 2025). NB: SFSA SEK 500m AML remark/fine 2025.
🏦 Local IBANs: NL
Adyen (Netherlands) - global acquiring, card issuing and banking; Adyen Issuing offers BIN sponsorship for platforms plus business accounts with NL IBANs. Credit institution (bank), DNB; passported across the EEA (CRD IV). A rare EU-HQ global processor. Agentic-ready - named partner in Mastercard Agent Pay (AI-agent commerce).
Aion Bank (Belgium) - digital bank and BaaS across the EU (embedded accounts, deposits, lending and payments, paired with Vodeno tech). ECB-licensed credit institution. Acquired by UniCredit (with Vodeno) for ~EUR 370m, completed Mar 2025.
Alma (Paris, France; founded 2018) - split-payment and BNPL. ACPR-licensed payment institution and financing company (no. 90786). EUR 2.5bn volume in 2025 (profitable), 23k merchants across 10 countries; partners with the CB scheme.
🏦 Local IBANs: LT
Bankera (Lithuania) - business and personal banking (LT IBANs, SEPA/SWIFT, cards) operated via UAB Pervesk (EMI, Bank of Lithuania). Earlier 2017-18 ICO-funded history.
FAQ
Is Capital on Tap European / EEA-based?
Capital on Tap is UK origin (UK) and is not fully EEA-based; shown as a contrast/comparison.
What does Capital on Tap do?
Capital on Tap covers: Lending module, Card issuing software. Verified at source by Fintechnologica.